Credit union · NCUA insured
Luso American Credit Union CD Rates
Luso American Credit Union’s best CD rate is 2.93% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Luso American Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Luso American Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Luso American Credit Union
2.93%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $293
Certificate of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Luso American Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo0.35%
- 9–15 months9–15 mo2.93%
- 16–30 months16–30 mo0.90%
- 31–60 months31–60 mo1.61%
- QualifiedQualified2.93%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Luso American Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 2.93%APY · 9 terms
Rates are accurate as of September 2, 2026. APY assumes interest remains in the account. CD rates are guaranteed for the term of the Certificate only. Subject to penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.20% | $5 |
| 6 months | 0.30% | $15 |
| 7 months | 0.35% | $20 |
| 12 months | 2.93% | $293 |
| 13 months | 0.60% | $65 |
| 24 months | 0.90% | $181 |
| 36 months | 1.00% | $303 |
| 48 months | 1.41% | $576 |
| 60 months | 1.61% | $831 |
Sources (3)
- luso-american.com/personal-accounts
- luso-american.com/personal-acc…s/certificate-of-deposit
- luso-american.com/personal-accounts/saving-rates
All captured Oct 7, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA) Certificate
Up to 2.93%APY · 5 terms
Rates are accurate as of September 2, 2026. APY assumes interest remains in the account. Certificate of Deposit rates are guaranteed for the term of the Certificate only. Certificates of Deposit are subject to a penalty if a withdrawal is made before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.93% | $293 |
| 24 months | 0.90% | $181 |
| 36 months | 1.00% | $303 |
| 48 months | 1.41% | $576 |
| 60 months | 1.61% | $831 |
Sources (3)
- luso-american.com/personal-accounts
- luso-american.com/personal-acc…dual-retirement-accounts
- luso-american.com/personal-accounts/saving-rates
All captured Oct 7, 2026
Who can join Luso American Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Essex County are eligible for membership.
Cost to join
- Opening a savings account with $25 is required to establish membership.
Membership information collected October 5, 2026.